KEMPER Corp — Form 8-K
Filed August 5, 2026 · analyzed by the 8-K Agent
8-K
▼ Likely negative
significance 72/100
What the filing says
Kemper Corporation (NYSE: KMPR) reported Q2 2026 net loss of $464.8M ($7.90/share) including a non-cash $460M goodwill impairment. Adjusted operating income was $26.3M ($0.45/share), down 69% YoY from $84.1M ($1.30/share). Personal auto underlying loss ratio deteriorated to 83.8% vs. 72.5% YoY, driven by higher California claim severity/frequency; commercial auto grew 12% in earned premiums but reported results hurt by $17.7M adverse prior-year development; life generated $18.3M operating income. Shareholders' equity fell 18% to $2.19B from year-end. Company cut personal auto policies 18.5% YoY and implemented $80M+ in cost savings since Q3 2025.
Why this rating
Material deterioration in underwriting, major goodwill write-down, equity erosion, and significant voluntary premium reduction all signal business distress. Relative to $4.1B market cap, the issues are substantial and trajectory-altering.
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